By taking and passing the assessment on the e-learning portal, a customer who was
originally assessed by a financial intermediary to not possess the required qualification,
knowledge or experience to invest in SIPs under the CKA framework, may be considered
by a financial intermediary to have obtained the required knowledge to invest in
SIPs.

The certificate is to prove that you have understood the features, risks and suitability
of the unlisted SIPs covered in each module. However, the e-learning portal is not
intended to substitute or replace the CKA requirement. Even though you may have
taken and passed the e-learning assessment, financial intermediaries will still
be required to conduct the CKA on you to assess whether you have the necessary qualification,
knowledge or experience to invest in unlisted SIPs.

The Certificate is valid for one year from the date of completion. Upon expiry of
the validity period, you are required to take and pass the assessment of the specific
SIP if you are interested to invest in it again.